feat(user-center): points buy, balance withdraw, and asset record tabs

Add cash purchase of points (points_pay_s), wallet withdraw requests via
AKSRT_Withdrawal, Zibll-style dual-card layout with tabbed balance/points
ledgers, and admin switches for buy-points packages and balance withdraw.

assets/admin/src/schema/sections/payment/recharge.js

@@ -23,6 +23,8 @@ export const rechargeSchema = {
     pay_balance_exchange_s: false,
     pay_balance_exchange_rate: 100,
     pay_balance_exchange_desc: '',
+    pay_balance_withdraw_s: false,
+    pay_balance_withdraw_lowest_money: 50,
   },
   groups: [
     {
@@ -86,5 +88,14 @@ export const rechargeSchema = {
         { key: 'pay_balance_exchange_desc', label: '兑换说明', type: 'textarea', default: '', dependsOn: { key: 'pay_balance_exchange_s', value: true } },
       ],
     },
+    {
+      key: 'withdraw',
+      title: '余额提现',
+      icon: 'fas fa-hand-holding-usd',
+      fields: [
+        { key: 'pay_balance_withdraw_s', label: '启用余额提现', type: 'switch', default: false, dependsOn: { key: 'pay_balance_s', value: true } },
+        { key: 'pay_balance_withdraw_lowest_money', label: '最低提现金额', type: 'number', default: 50, min: 1, max: 99999, dependsOn: { key: 'pay_balance_withdraw_s', value: true } },
+      ],
+    },
   ],
 }

assets/admin/src/schema/sections/users/credits.js

@@ -38,8 +38,12 @@ export const creditsSchema = {
       icon: 'fas fa-coins',
       fields: [
         { key: 'points_s', label: '启用积分系统', type: 'switch', default: true },
-        { key: 'points_pay_s', label: '积分支付', type: 'switch', default: false },
-        { key: 'points_rate', label: '积分兑换比例', type: 'number', default: 100, min: 1, max: 10000 },
+        { key: 'points_pay_s', label: '启用购买积分', type: 'switch', default: false, help: '对齐 zibll points_pay_s：允许用户用现金/余额购买积分。' },
+        { key: 'points_rate', label: '积分汇率（1元=N积分）', type: 'number', default: 100, min: 1, max: 10000, dependsOn: { key: 'points_pay_s', value: true } },
+        { key: 'pay_points_desc', label: '购买积分说明', type: 'textarea', default: '', dependsOn: { key: 'points_pay_s', value: true } },
+        { key: 'pay_points_product', label: '积分套餐', type: 'textarea', default: '', help: '每行：支付金额|积分数量|标题。留空则仅自定义数量。', dependsOn: { key: 'points_pay_s', value: true } },
+        { key: 'pay_points_product_custom_s', label: '允许自定义积分数量', type: 'switch', default: true, dependsOn: { key: 'points_pay_s', value: true } },
+        { key: 'pay_points_product_custom_limit', label: '自定义积分上限', type: 'number', default: 99999, min: 1, max: 999999, dependsOn: { key: 'points_pay_s', value: true } },
         { key: 'points_name', label: '积分名称', type: 'input', default: '积分' },
         { key: 'points_decimal', label: '积分小数位数', type: 'number', default: 2, min: 0, max: 4 },
       ],

assets/css/routes/user-center/credits.css

@@ -282,6 +282,39 @@ body.uc-modal-open {
   margin-top: 12px;
 }
 
+/* Asset record tabs (Zibll tab-nav-theme) */
+.uc-asset-tabs {
+  margin-top: 8px;
+  padding: 12px 16px 16px;
+}
+.uc-asset-tabs__nav {
+  display: flex;
+  gap: 18px;
+  list-style: none;
+  margin: 0 0 12px;
+  padding: 0 0 10px;
+  border-bottom: 1px solid var(--color-line-soft, rgba(0,0,0,.06));
+}
+.uc-asset-tabs__nav li a {
+  display: inline-block;
+  padding: 4px 0;
+  color: var(--muted-color, #777);
+  text-decoration: none;
+  font-weight: 700;
+  border-bottom: 2px solid transparent;
+}
+.uc-asset-tabs__nav li.active a,
+.uc-asset-tabs__nav li a:hover {
+  color: var(--focus-color, #f04494);
+  border-bottom-color: var(--focus-color, #f04494);
+}
+.uc-asset-tabs__content .tab-pane[hidden] {
+  display: none !important;
+}
+.uc-asset-tabs__content .tab-pane.is-active {
+  display: block;
+}
+
 .uc-content #panel-credits .uc-transactions {
   background: transparent;
   border: 0;

assets/js/credits.js

@@ -775,6 +775,152 @@
 		});
 	}
 
+	function initPointsBuy() {
+		var modal = document.querySelector('[data-aksrt-points-buy-modal]');
+		if (!modal) return;
+		var form = modal.querySelector('[data-aksrt-points-buy-form]');
+		var tip = modal.querySelector('[data-aksrt-points-buy-tip]');
+		var busy = false;
+		function setTip(text, isError) {
+			if (!tip) return;
+			tip.textContent = text || '';
+			tip.classList.toggle('is-error', !!isError);
+		}
+		document.querySelectorAll('[data-aksrt-points-buy-open]').forEach(function (btn) {
+			btn.addEventListener('click', function () { openModal(modal); });
+		});
+		modal.querySelectorAll('[data-aksrt-points-buy-close]').forEach(function (btn) {
+			btn.addEventListener('click', function () { closeModal(modal); });
+		});
+		modal.querySelectorAll('.uc-charge-package input').forEach(function (inp) {
+			inp.addEventListener('change', function () {
+				modal.querySelectorAll('.uc-charge-package').forEach(function (el) {
+					el.classList.toggle('is-active', el.contains(inp) && inp.checked);
+				});
+			});
+		});
+		if (!form) return;
+		form.addEventListener('submit', function (e) {
+			e.preventDefault();
+			if (busy) return;
+			var pkgInput = form.querySelector('input[name="points_package"]:checked') || form.querySelector('input[name="points_package"]');
+			var pkg = pkgInput ? pkgInput.value : 'custom';
+			var customEl = form.querySelector('[data-aksrt-points-buy-custom]');
+			var custom = customEl ? parseInt(customEl.value || '0', 10) : 0;
+			if (custom > 0) pkg = 'custom';
+			if (pkg === 'custom' && !(custom > 0)) {
+				setTip('请输入购买积分数量', true);
+				return;
+			}
+			var methodEl = form.querySelector('input[name="points_pay_method"]:checked');
+			var method = methodEl ? methodEl.value : 'alipay';
+			busy = true;
+			setTip('正在创建订单…');
+			api('/pay/points/buy', {
+				method: 'POST',
+				body: JSON.stringify({
+					package: pkg,
+					custom_points: custom,
+					payment_method: method
+				})
+			}).then(function (r) {
+				busy = false;
+				if (!r.ok || (r.json && r.json.code && !r.json.success)) {
+					setTip((r.json && r.json.message) || '购买失败', true);
+					return;
+				}
+				var data = (r.json && r.json.data) ? r.json.data : r.json;
+				if (data && data.redirect && (data.payment_url || data.qr_content)) {
+					if (data.payment_url) window.open(data.payment_url, '_blank');
+					setTip(data.message || '请完成支付，支付成功后将自动刷新。');
+					if (data.order_number) pollPaidOrder(data.order_number);
+					return;
+				}
+				setTip((data && data.message) || '购买成功，正在刷新…');
+				window.location.reload();
+			}).catch(function () {
+				busy = false;
+				setTip('网络错误，请重试', true);
+			});
+		});
+	}
+
+	function initWithdraw() {
+		var modal = document.querySelector('[data-aksrt-withdraw-modal]');
+		if (!modal) return;
+		var form = modal.querySelector('[data-aksrt-withdraw-form]');
+		var tip = modal.querySelector('[data-aksrt-withdraw-tip]');
+		var busy = false;
+		function setTip(text, isError) {
+			if (!tip) return;
+			tip.textContent = text || '';
+			tip.classList.toggle('is-error', !!isError);
+		}
+		document.querySelectorAll('[data-aksrt-withdraw-open]').forEach(function (btn) {
+			btn.addEventListener('click', function () { openModal(modal); });
+		});
+		modal.querySelectorAll('[data-aksrt-withdraw-close]').forEach(function (btn) {
+			btn.addEventListener('click', function () { closeModal(modal); });
+		});
+		if (!form) return;
+		form.addEventListener('submit', function (e) {
+			e.preventDefault();
+			if (busy) return;
+			var amountEl = form.querySelector('[data-aksrt-withdraw-amount]');
+			var methodEl = form.querySelector('[data-aksrt-withdraw-method]');
+			var accountEl = form.querySelector('[data-aksrt-withdraw-account]');
+			var amount = amountEl ? parseFloat(amountEl.value || '0') : 0;
+			var method = methodEl ? methodEl.value : 'alipay';
+			var account = accountEl ? String(accountEl.value || '').trim() : '';
+			if (!(amount > 0)) {
+				setTip('请输入提现金额', true);
+				return;
+			}
+			if (!account) {
+				setTip('请填写收款账号信息', true);
+				return;
+			}
+			busy = true;
+			setTip('正在提交…');
+			api('/pay/balance/withdraw', {
+				method: 'POST',
+				body: JSON.stringify({ amount: amount, method: method, account_info: account })
+			}).then(function (r) {
+				busy = false;
+				if (!r.ok || (r.json && r.json.code && !r.json.success)) {
+					setTip((r.json && r.json.message) || '提现失败', true);
+					return;
+				}
+				var data = (r.json && r.json.data) ? r.json.data : r.json;
+				setTip((data && data.message) || '申请已提交，正在刷新…');
+				window.location.reload();
+			}).catch(function () {
+				busy = false;
+				setTip('网络错误，请重试', true);
+			});
+		});
+	}
+
+	function initAssetTabs() {
+		var nav = document.querySelectorAll('[data-aksrt-asset-tab]');
+		if (!nav.length) return;
+		nav.forEach(function (link) {
+			link.addEventListener('click', function (e) {
+				e.preventDefault();
+				var key = link.getAttribute('data-aksrt-asset-tab');
+				document.querySelectorAll('[data-aksrt-asset-tab]').forEach(function (a) {
+					var li = a.closest('li');
+					if (li) li.classList.toggle('active', a === link);
+				});
+				document.querySelectorAll('[data-aksrt-asset-pane]').forEach(function (pane) {
+					var on = pane.getAttribute('data-aksrt-asset-pane') === key;
+					pane.classList.toggle('is-active', on);
+					pane.hidden = !on;
+				});
+			});
+		});
+	}
+
 	function bootAssets() {
 		initSignin();
 		initInvite();
@@ -784,6 +930,9 @@
 		initBalanceCharge();
 		initTransfer();
 		initExchange();
+		initPointsBuy();
+		initWithdraw();
+		initAssetTabs();
 	}
 
 	if (document.readyState === 'loading') {

inc/classes/class-aksrt-balance-service.php

@@ -75,6 +75,33 @@ class AKSRT_Balance_Service {
 				},
 			],
 		]);
+
+		register_rest_route('aksrt/v1', '/pay/points/buy', [
+			[
+				'methods'             => WP_REST_Server::READABLE,
+				'callback'            => [$this, 'rest_points_buy_options'],
+				'permission_callback' => static function () {
+					return is_user_logged_in();
+				},
+			],
+			[
+				'methods'             => WP_REST_Server::CREATABLE,
+				'callback'            => [$this, 'rest_points_buy_create'],
+				'permission_callback' => static function () {
+					return is_user_logged_in();
+				},
+			],
+		]);
+
+		register_rest_route('aksrt/v1', '/pay/balance/withdraw', [
+			[
+				'methods'             => WP_REST_Server::CREATABLE,
+				'callback'            => [$this, 'rest_balance_withdraw'],
+				'permission_callback' => static function () {
+					return is_user_logged_in();
+				},
+			],
+		]);
 	}
 
 	/**
@@ -333,14 +360,62 @@ class AKSRT_Balance_Service {
 			return;
 		}
 		$type = sanitize_key((string) ($order['product_type'] ?? ''));
+		$user_id = (int) ($order['user_id'] ?? 0);
+		if ($user_id <= 0) {
+			return;
+		}
+
+		// Points purchase fulfill (zibll order_type=9).
+		if ($type === AKSRT_Domain_Model::ORDER_PRODUCT_POINTS_BUY) {
+			if (!class_exists('AKSRT_Credits')) {
+				return;
+			}
+			$note = json_decode((string) ($order['note'] ?? ''), true);
+			if (!is_array($note)) {
+				$note = [];
+			}
+			if (!empty($note['points_credited'])) {
+				return;
+			}
+			$rate = 100;
+			if (class_exists('AKSRT_Settings')) {
+				$rate = max(1, (int) (AKSRT_Settings::get_all()['points_rate'] ?? 100));
+			}
+			$points = isset($note['points_amount'])
+				? (int) $note['points_amount']
+				: (int) round((float) ($order['amount'] ?? 0) * $rate);
+			if ($points <= 0) {
+				return;
+			}
+			$add = AKSRT_Credits::add(
+				$user_id,
+				$points,
+				'points_buy',
+				['type' => 'order', 'order' => $order_number],
+				sprintf(__('购买积分订单 %s', 'aksrt'), $order_number)
+			);
+			if (is_wp_error($add)) {
+				return;
+			}
+			$note['points_credited'] = 1;
+			$note['credited_points'] = $points;
+			global $wpdb;
+			$wpdb->update(
+				$wpdb->prefix . 'aksrt_order',
+				['note' => wp_json_encode($note, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES)],
+				['order_number' => $order_number],
+				['%s'],
+				['%s']
+			);
+			return;
+		}
+
 		if ($type !== AKSRT_Domain_Model::ORDER_PRODUCT_RECHARGE) {
 			return;
 		}
-		$user_id = (int) ($order['user_id'] ?? 0);
-		if ($user_id <= 0 || !class_exists('AKSRT_Balance')) {
+		if (!class_exists('AKSRT_Balance')) {
 			return;
 		}
-		// Prevent double credit.
 		$note = json_decode((string) ($order['note'] ?? ''), true);
 		if (!is_array($note)) {
 			$note = [];
@@ -366,11 +441,9 @@ class AKSRT_Balance_Service {
 		}
 		$note['balance_credited'] = 1;
 		$note['credited_amount']  = $credit_amount;
-		// Mark credited in note (best-effort; private table accessor).
 		global $wpdb;
-		$tbl = $wpdb->prefix . 'aksrt_order';
 		$wpdb->update(
-			$tbl,
+			$wpdb->prefix . 'aksrt_order',
 			['note' => wp_json_encode($note, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES)],
 			['order_number' => $order_number],
 			['%s'],
@@ -606,4 +679,317 @@ class AKSRT_Balance_Service {
 			'reload'        => true,
 		];
 	}
+
+	public function rest_points_buy_options(WP_REST_Request $request) {
+		if (!$this->points_buy_enabled()) {
+			return new WP_Error('aksrt_points_buy_disabled', __('购买积分未开启', 'aksrt'), ['status' => 403]);
+		}
+		return rest_ensure_response([
+			'success' => true,
+			'data'    => $this->get_points_buy_view(get_current_user_id()),
+		]);
+	}
+
+	public function rest_points_buy_create(WP_REST_Request $request) {
+		if (!$this->points_buy_enabled()) {
+			return new WP_Error('aksrt_points_buy_disabled', __('购买积分未开启', 'aksrt'), ['status' => 403]);
+		}
+		$params = $request->get_json_params();
+		if (!is_array($params)) {
+			$params = $request->get_params();
+		}
+		$package_key    = sanitize_text_field((string) ($params['package'] ?? 'custom'));
+		$custom_points  = (int) ($params['custom_points'] ?? $params['points'] ?? 0);
+		$payment_method = sanitize_key((string) ($params['payment_method'] ?? 'alipay'));
+		$result = $this->create_points_buy_order(get_current_user_id(), $package_key, $custom_points, $payment_method);
+		if (is_wp_error($result)) {
+			return $result;
+		}
+		return rest_ensure_response(['success' => true, 'data' => $result]);
+	}
+
+	public function rest_balance_withdraw(WP_REST_Request $request) {
+		if (!class_exists('AKSRT_Balance') || !AKSRT_Balance::enabled()) {
+			return new WP_Error('aksrt_balance_disabled', __('余额功能未启用', 'aksrt'), ['status' => 403]);
+		}
+		$settings = class_exists('AKSRT_Settings') ? AKSRT_Settings::get_all() : [];
+		if (empty($settings['pay_balance_withdraw_s'])) {
+			return new WP_Error('aksrt_withdraw_closed', __('余额提现未开启', 'aksrt'), ['status' => 403]);
+		}
+		if (!class_exists('AKSRT_Withdrawal')) {
+			return new WP_Error('aksrt_withdraw_unavailable', __('提现系统不可用', 'aksrt'), ['status' => 500]);
+		}
+		$params = $request->get_json_params();
+		if (!is_array($params)) {
+			$params = $request->get_params();
+		}
+		$user_id = get_current_user_id();
+		$amount  = round((float) ($params['amount'] ?? 0), 2);
+		$method  = sanitize_key((string) ($params['method'] ?? 'alipay'));
+		$account = sanitize_textarea_field((string) ($params['account_info'] ?? $params['account'] ?? ''));
+		$lowest  = max(1, (float) ($settings['pay_balance_withdraw_lowest_money'] ?? $settings['pay_rebate_withdraw_lowest_money'] ?? 50));
+		if ($amount < $lowest) {
+			return new WP_Error('aksrt_withdraw_min', sprintf(__('最低提现 %s 元', 'aksrt'), (string) $lowest), ['status' => 400]);
+		}
+		if ($account === '') {
+			return new WP_Error('aksrt_withdraw_account', __('请填写收款账号信息', 'aksrt'), ['status' => 400]);
+		}
+		$wallet = AKSRT_Balance::balance($user_id);
+		if ($wallet < $amount) {
+			return new WP_Error('aksrt_balance_insufficient', __('余额不足', 'aksrt'), ['status' => 402]);
+		}
+		$deduct = AKSRT_Balance::deduct($user_id, $amount, 'withdraw_hold', ['type' => 'withdraw'], __('余额提现申请冻结', 'aksrt'));
+		if (is_wp_error($deduct)) {
+			return $deduct;
+		}
+		$fee_rate = max(0, min(50, (int) ($settings['withdraw_service_charge'] ?? 0)));
+		$net = $fee_rate > 0 ? round($amount * (100 - $fee_rate) / 100, 2) : $amount;
+		$account_payload = wp_json_encode([
+			'account' => $account,
+			'gross_amount' => $amount,
+			'fee_rate' => $fee_rate,
+			'source' => 'balance',
+		], JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES) ?: $account;
+		$wid = AKSRT_Withdrawal::get_instance()->create($user_id, $net, $method !== '' ? $method : 'alipay', $account_payload);
+		if ($wid <= 0) {
+			AKSRT_Balance::add($user_id, $amount, 'withdraw_refund', [], __('提现申请失败退回', 'aksrt'));
+			return new WP_Error('aksrt_withdraw_failed', __('提现申请失败', 'aksrt'), ['status' => 500]);
+		}
+		return rest_ensure_response([
+			'success' => true,
+			'data' => [
+				'message' => __('提现申请已提交，请等待处理', 'aksrt'),
+				'withdrawal_id' => $wid,
+				'amount' => $amount,
+				'net_amount' => $net,
+				'wallet_balance' => AKSRT_Balance::balance($user_id),
+				'reload' => true,
+			],
+		]);
+	}
+
+	public function points_buy_enabled(): bool {
+		if (!class_exists('AKSRT_Settings') || !AKSRT_Settings::credits_enabled()) {
+			return false;
+		}
+		$all = AKSRT_Settings::get_all();
+		return !empty($all['points_pay_s']);
+	}
+
+	/**
+	 * @return array<string,mixed>
+	 */
+	public function get_points_buy_view(int $user_id): array {
+		$all = class_exists('AKSRT_Settings') ? AKSRT_Settings::get_all() : [];
+		$rate = max(1, (int) ($all['points_rate'] ?? 100));
+		$packages_raw = (string) ($all['pay_points_product'] ?? '');
+		$packages = $this->parse_points_packages($packages_raw);
+		$custom_s = !isset($all['pay_points_product_custom_s']) || !empty($all['pay_points_product_custom_s']);
+		$custom_limit = max(1, (int) ($all['pay_points_product_custom_limit'] ?? 99999));
+		$methods = [];
+		if (function_exists('aksrt_list_cash_payment_methods')) {
+			foreach (aksrt_list_cash_payment_methods(true) as $m) {
+				$id = is_array($m) ? (string) ($m['id'] ?? '') : (string) $m;
+				if ($id === '') {
+					continue;
+				}
+				if ($id === 'balance' && !(class_exists('AKSRT_Balance') && AKSRT_Balance::enabled())) {
+					continue;
+				}
+				$methods[] = is_array($m) ? $m : ['id' => $id, 'name' => $id];
+			}
+		}
+		if (class_exists('AKSRT_Balance') && AKSRT_Balance::enabled()) {
+			$has_bal = false;
+			foreach ($methods as $m) {
+				if (($m['id'] ?? '') === 'balance') {
+					$has_bal = true;
+					break;
+				}
+			}
+			if (!$has_bal) {
+				array_unshift($methods, ['id' => 'balance', 'name' => __('站内余额', 'aksrt')]);
+			}
+		}
+		return [
+			'enabled' => $this->points_buy_enabled(),
+			'desc' => (string) ($all['pay_points_desc'] ?? ''),
+			'rate' => $rate,
+			'points' => class_exists('AKSRT_Credits') ? AKSRT_Credits::balance($user_id) : 0,
+			'packages' => $packages,
+			'custom_s' => $custom_s,
+			'custom_limit' => $custom_limit,
+			'payment_methods' => $methods,
+		];
+	}
+
+	/**
+	 * @return array<int,array{key:string,points:int,pay_price:float,title:string}>
+	 */
+	public function parse_points_packages(string $raw): array {
+		$out = [];
+		$lines = preg_split('/\r\n|\r|\n/', $raw) ?: [];
+		$i = 0;
+		foreach ($lines as $line) {
+			$line = trim((string) $line);
+			if ($line === '') {
+				continue;
+			}
+			// 支付金额|积分数量|标题
+			$parts = array_map('trim', explode('|', $line));
+			if (count($parts) < 2) {
+				continue;
+			}
+			$pay = (float) $parts[0];
+			$points = (int) $parts[1];
+			$title = $parts[2] ?? '';
+			if ($pay <= 0 || $points <= 0) {
+				continue;
+			}
+			$out[] = [
+				'key' => (string) $i,
+				'pay_price' => round($pay, 2),
+				'points' => $points,
+				'title' => $title !== '' ? $title : sprintf(__('%d 积分', 'aksrt'), $points),
+			];
+			$i++;
+		}
+		return $out;
+	}
+
+	/**
+	 * @return array<string,mixed>|WP_Error
+	 */
+	public function create_points_buy_order(int $user_id, string $package_key, int $custom_points, string $payment_method) {
+		if ($user_id <= 0) {
+			return new WP_Error('aksrt_need_login', __('请先登录', 'aksrt'), ['status' => 401]);
+		}
+		if (!class_exists('AKSRT_Order_Repository') || !class_exists('AKSRT_Order')) {
+			return new WP_Error('aksrt_pay_unavailable', __('订单系统不可用', 'aksrt'), ['status' => 500]);
+		}
+		$view = $this->get_points_buy_view($user_id);
+		$rate = max(1, (int) ($view['rate'] ?? 100));
+		$points_amount = 0;
+		$pay_amount = 0.0;
+		$title = __('购买积分', 'aksrt');
+
+		if ($package_key === 'custom' || $package_key === '') {
+			if (empty($view['custom_s'])) {
+				return new WP_Error('aksrt_custom_closed', __('未开放自定义数量', 'aksrt'), ['status' => 400]);
+			}
+			$custom_points = max(0, $custom_points);
+			$max = (int) ($view['custom_limit'] ?? 99999);
+			if ($custom_points < $rate || $custom_points > $max) {
+				return new WP_Error('aksrt_custom_limit', sprintf(__('购买积分需在 %d ~ %d 之间', 'aksrt'), $rate, $max), ['status' => 400]);
+			}
+			$points_amount = $custom_points;
+			$pay_amount = round($custom_points / $rate, 2);
+			if ($pay_amount <= 0) {
+				$pay_amount = 0.01;
+			}
+			$title = sprintf(__('购买 %d 积分', 'aksrt'), $points_amount);
+			$package_key = 'custom';
+		} else {
+			$found = null;
+			foreach ((array) $view['packages'] as $pkg) {
+				if ((string) ($pkg['key'] ?? '') === (string) $package_key) {
+					$found = $pkg;
+					break;
+				}
+			}
+			if (!$found) {
+				return new WP_Error('aksrt_invalid_package', __('积分套餐无效', 'aksrt'), ['status' => 400]);
+			}
+			$points_amount = (int) $found['points'];
+			$pay_amount = (float) $found['pay_price'];
+			$title = (string) $found['title'];
+		}
+		if ($points_amount <= 0 || $pay_amount <= 0) {
+			return new WP_Error('aksrt_invalid_price', __('金额无效', 'aksrt'), ['status' => 400]);
+		}
+
+		$payment_method = sanitize_key($payment_method);
+		if ($payment_method === '') {
+			$methods = $view['payment_methods'] ?? [];
+			$payment_method = !empty($methods[0]['id']) ? (string) $methods[0]['id'] : 'alipay';
+		}
+
+		$note = wp_json_encode([
+			'points_buy' => 1,
+			'package' => $package_key,
+			'points_amount' => $points_amount,
+			'pay_amount' => $pay_amount,
+			'title' => $title,
+		], JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
+
+		$order_number = AKSRT_Order_Repository::get_instance()->create([
+			'user_id' => $user_id,
+			'product_type' => AKSRT_Domain_Model::ORDER_PRODUCT_POINTS_BUY,
+			'product_id' => 0,
+			'amount' => $pay_amount,
+			'currency' => 'CNY',
+			'status' => AKSRT_Order::STATUS_PENDING,
+			'payment_method' => $payment_method,
+			'note' => is_string($note) ? $note : '',
+			'expires_at' => gmdate('Y-m-d H:i:s', time() + 30 * MINUTE_IN_SECONDS),
+		]);
+		if ($order_number === '') {
+			return new WP_Error('aksrt_order_create_failed', __('创建订单失败', 'aksrt'), ['status' => 500]);
+		}
+		$order = AKSRT_Order_Repository::get_instance()->get($order_number);
+		if (!$order) {
+			return new WP_Error('aksrt_order_create_failed', __('创建订单失败', 'aksrt'), ['status' => 500]);
+		}
+		$order['subject'] = $title;
+		$order['payment_method'] = $payment_method;
+
+		if (!class_exists('AKSRT_Payment_Gateway')) {
+			return new WP_Error('aksrt_pay_unavailable', __('支付网关不可用', 'aksrt'), ['status' => 500]);
+		}
+		$gateway = AKSRT_Payment_Gateway::get_instance()->get_gateway($payment_method);
+		if (!$gateway) {
+			return new WP_Error('aksrt_gateway_unavailable', __('当前支付方式不可用', 'aksrt'), ['status' => 400, 'order_number' => $order_number]);
+		}
+		if (method_exists($gateway, 'is_configured') && !$gateway->is_configured()) {
+			return new WP_Error('aksrt_gateway_unconfigured', __('该支付方式尚未配置，请联系站长。', 'aksrt'), ['status' => 400, 'order_number' => $order_number]);
+		}
+		$payment_result = $gateway->create_payment($order);
+		if (empty($payment_result['success'])) {
+			return new WP_Error('aksrt_pay_failed', (string) ($payment_result['message'] ?? __('支付失败', 'aksrt')), ['status' => 402, 'order_number' => $order_number]);
+		}
+		$code_url = (string) ($payment_result['payment_data']['code_url'] ?? '');
+		$payment_url = (string) ($payment_result['payment_url'] ?? '');
+		if ($payment_url !== '' || $code_url !== '') {
+			return [
+				'redirect' => true,
+				'payment_url' => $payment_url,
+				'qr_content' => $code_url,
+				'order_number' => $order_number,
+				'amount' => $pay_amount,
+				'points_amount' => $points_amount,
+				'message' => $payment_result['message'] ?? __('请在新页面完成支付。', 'aksrt'),
+				'reload' => false,
+				'poll' => true,
+			];
+		}
+		$paid = AKSRT_Order::get_instance()->update_status($order_number, AKSRT_Order::STATUS_PAID, [
+			'payment_method' => $payment_method,
+			'payment_transaction_id' => sanitize_text_field((string) ($payment_result['transaction_id'] ?? '')),
+			'note' => __('购买积分支付完成', 'aksrt'),
+		]);
+		if (!$paid) {
+			return new WP_Error('aksrt_order_confirm_failed', __('支付确认失败', 'aksrt'), ['status' => 500]);
+		}
+		$this->on_order_paid($order_number, AKSRT_Order_Repository::get_instance()->get($order_number) ?: $order);
+		return [
+			'redirect' => false,
+			'order_number' => $order_number,
+			'amount' => $pay_amount,
+			'points_amount' => $points_amount,
+			'points' => AKSRT_Credits::balance($user_id),
+			'message' => __('购买成功', 'aksrt'),
+			'reload' => true,
+		];
+	}
+
 }

inc/classes/class-aksrt-balance.php

@@ -270,6 +270,8 @@ class AKSRT_Balance {
 			'transfer_out'      => __('转出', 'aksrt'),
 			'admin'             => __('管理员调整', 'aksrt'),
 			'exchange_from_credits' => __('积分兑换', 'aksrt'),
+			'withdraw_hold'     => __('提现冻结', 'aksrt'),
+			'withdraw_refund'   => __('提现退回', 'aksrt'),
 		];
 		$key = sanitize_key($reason);
 		return $map[$key] ?? ($reason !== '' ? $reason : __('余额变动', 'aksrt'));

inc/helpers/aksrt-domain-model.php

@@ -30,6 +30,8 @@ class AKSRT_Domain_Model {
     public const ORDER_PRODUCT_RESOURCE     = 'resource';
     public const ORDER_PRODUCT_VIP          = 'vip';
     public const ORDER_PRODUCT_RECHARGE     = 'recharge';
+    /** Cash purchase of points (zibll order_type=9). */
+    public const ORDER_PRODUCT_POINTS_BUY   = 'points_buy';
     public const ORDER_PRODUCT_SHOP         = 'shop_product';
     /** Paid plate follow (zibll order_type=11). product_id = plate post ID. */
     public const ORDER_PRODUCT_PLATE_FOLLOW = 'plate_follow';

inc/helpers/user-center-renderers/credits-balance.php

@@ -18,7 +18,10 @@ if (class_exists('AKSRT_Charge_Card')) {
 	$opts = AKSRT_Charge_Card::get_instance()->get_public_options();
 	$card_pass_credits = is_array($opts['credits'] ?? null) ? $opts['credits'] : $card_pass_credits;
 }
-$points_transfer_on = class_exists('AKSRT_Settings') && !empty(AKSRT_Settings::get_all()['points_transfer_s']);
+$all_settings = class_exists('AKSRT_Settings') ? AKSRT_Settings::get_all() : [];
+$points_transfer_on = !empty($all_settings['points_transfer_s']);
+$points_buy_on = class_exists('AKSRT_Balance_Service') && AKSRT_Balance_Service::get_instance()->points_buy_enabled();
+$points_buy_view = $points_buy_on ? AKSRT_Balance_Service::get_instance()->get_points_buy_view((int) ($user_id ?? 0)) : [];
 $currency = (string) ($currency_name ?? __('积分', 'aksrt'));
 ?>
 <div class="uc-asset-card uc-asset-card--points zib-widget">
@@ -41,11 +44,68 @@ $currency = (string) ($currency_name ?? __('积分', 'aksrt'));
 			<?php if ($points_transfer_on) : ?>
 				<button type="button" class="but c-green mr6 hollow" data-aksrt-transfer-open="points"><?php esc_html_e('转账', 'aksrt'); ?></button>
 			<?php endif; ?>
+			<?php if ($points_buy_on) : ?>
+				<button type="button" class="but c-green" data-aksrt-points-buy-open><?php esc_html_e('购买积分', 'aksrt'); ?></button>
+			<?php endif; ?>
 		</div>
 	</div>
 	<p class="uc-balance-card__tip muted-2-color em09" data-signin-tip></p>
 </div>
 
+<?php if ($points_buy_on) :
+	$pb_packages = is_array($points_buy_view['packages'] ?? null) ? $points_buy_view['packages'] : [];
+	$pb_methods = is_array($points_buy_view['payment_methods'] ?? null) ? $points_buy_view['payment_methods'] : [];
+	$pb_rate = (int) ($points_buy_view['rate'] ?? 100);
+	$pb_custom = !empty($points_buy_view['custom_s']);
+	$pb_limit = (int) ($points_buy_view['custom_limit'] ?? 99999);
+	?>
+<div class="uc-modal" id="aksrt-points-buy-modal" hidden data-aksrt-points-buy-modal>
+	<div class="uc-modal__overlay" data-aksrt-points-buy-close></div>
+	<div class="uc-modal__dialog" role="dialog" aria-modal="true">
+		<button type="button" class="uc-modal__close" data-aksrt-points-buy-close aria-label="<?php esc_attr_e('关闭', 'aksrt'); ?>"><i class="fas fa-times" aria-hidden="true"></i></button>
+		<h3 class="uc-modal__title"><i class="fas fa-coins mr6" aria-hidden="true"></i><?php esc_html_e('购买积分', 'aksrt'); ?></h3>
+		<?php if (!empty($points_buy_view['desc'])) : ?>
+			<div class="uc-modal__desc muted-box em09"><?php echo esc_html((string) $points_buy_view['desc']); ?></div>
+		<?php endif; ?>
+		<form data-aksrt-points-buy-form>
+			<?php if ($pb_packages) : ?>
+				<div class="muted-color mb6"><?php esc_html_e('请选择积分套餐', 'aksrt'); ?></div>
+				<div class="uc-charge-packages">
+					<?php foreach ($pb_packages as $idx => $pkg) : ?>
+						<label class="uc-charge-package<?php echo $idx === 0 ? ' is-active' : ''; ?>">
+							<input type="radio" name="points_package" value="<?php echo esc_attr((string) $pkg['key']); ?>" <?php checked($idx === 0); ?>>
+							<div class="uc-charge-package__credit"><?php echo esc_html((string) (int) $pkg['points']); ?> <span class="px12"><?php echo esc_html($currency); ?></span></div>
+							<div class="uc-charge-package__pay c-red"><span class="px12">￥</span><?php echo esc_html((string) $pkg['pay_price']); ?></div>
+						</label>
+					<?php endforeach; ?>
+				</div>
+			<?php endif; ?>
+			<?php if ($pb_custom) : ?>
+				<div class="muted-color mt16 mb6"><?php echo $pb_packages ? esc_html__('自定义积分数量', 'aksrt') : esc_html__('请输入购买积分数量', 'aksrt'); ?></div>
+				<input type="number" class="uc-card-pass__input" name="custom_points" min="<?php echo esc_attr((string) $pb_rate); ?>" max="<?php echo esc_attr((string) $pb_limit); ?>" step="1" data-aksrt-points-buy-custom>
+				<p class="muted-2-color em09 mt6"><?php printf(esc_html__('1 元 = %d 积分', 'aksrt'), $pb_rate); ?></p>
+				<?php if (!$pb_packages) : ?>
+					<input type="hidden" name="points_package" value="custom">
+				<?php endif; ?>
+			<?php endif; ?>
+			<?php if ($pb_methods) : ?>
+				<div class="muted-color mt16 mb6"><?php esc_html_e('支付方式', 'aksrt'); ?></div>
+				<div class="uc-charge-methods">
+					<?php foreach ($pb_methods as $mi => $m) : ?>
+						<label class="uc-charge-method">
+							<input type="radio" name="points_pay_method" value="<?php echo esc_attr((string) ($m['id'] ?? '')); ?>" <?php checked($mi === 0); ?>>
+							<span><?php echo esc_html((string) ($m['name'] ?? $m['id'] ?? '')); ?></span>
+						</label>
+					<?php endforeach; ?>
+				</div>
+			<?php endif; ?>
+			<p class="uc-modal__tip" data-aksrt-points-buy-tip></p>
+			<button type="submit" class="but jb-blue btn-block mt10"><?php esc_html_e('立即购买', 'aksrt'); ?></button>
+		</form>
+	</div>
+</div>
+<?php endif; ?>
+
 <?php if (!empty($card_pass_credits['enabled'])) : ?>
 <div class="uc-card-pass" data-aksrt-card-pass="credits">
 	<div class="uc-card-pass__title">

inc/helpers/user-center-renderers/credits-wallet.php

@@ -23,6 +23,9 @@ $recharge = class_exists('AKSRT_Settings') && method_exists('AKSRT_Settings', 'g
 	: [];
 $transfer_on = !empty($recharge['transfer']['enabled']);
 $exchange_on = !empty($recharge['exchange']['enabled']);
+$all_settings = class_exists('AKSRT_Settings') ? AKSRT_Settings::get_all() : [];
+$withdraw_on = !empty($all_settings['pay_balance_withdraw_s']);
+$withdraw_min = max(1, (float) ($all_settings['pay_balance_withdraw_lowest_money'] ?? $all_settings['pay_rebate_withdraw_lowest_money'] ?? 50));
 $card_pass_balance = ['enabled' => false, 'desc' => '', 'only_password' => true];
 if (class_exists('AKSRT_Charge_Card')) {
 	$opts = AKSRT_Charge_Card::get_instance()->get_public_options();
@@ -56,6 +59,9 @@ $mark = (string) ($charge_view['currency_mark'] ?? '元');
 			<?php if ($transfer_on) : ?>
 				<button type="button" class="but c-blue-2 mr6 hollow" data-aksrt-transfer-open="balance"><?php esc_html_e('转账', 'aksrt'); ?></button>
 			<?php endif; ?>
+			<?php if ($withdraw_on) : ?>
+				<button type="button" class="but c-blue-2 mr6 hollow" data-aksrt-withdraw-open><?php esc_html_e('提现', 'aksrt'); ?></button>
+			<?php endif; ?>
 			<button type="button" class="but b-blue-2" data-aksrt-charge-open><?php esc_html_e('充值', 'aksrt'); ?></button>
 		</div>
 	</div>
@@ -200,6 +206,32 @@ $mark = (string) ($charge_view['currency_mark'] ?? '元');
 </div>
 <?php endif; ?>
 
+<?php if ($withdraw_on) : ?>
+<div class="uc-modal" id="aksrt-withdraw-modal" hidden data-aksrt-withdraw-modal>
+	<div class="uc-modal__overlay" data-aksrt-withdraw-close></div>
+	<div class="uc-modal__dialog" role="dialog" aria-modal="true">
+		<button type="button" class="uc-modal__close" data-aksrt-withdraw-close aria-label="<?php esc_attr_e('关闭', 'aksrt'); ?>"><i class="fas fa-times" aria-hidden="true"></i></button>
+		<h3 class="uc-modal__title"><?php esc_html_e('余额提现', 'aksrt'); ?></h3>
+		<form data-aksrt-withdraw-form>
+			<label class="muted-color em09"><?php esc_html_e('提现金额', 'aksrt'); ?></label>
+			<input type="number" class="uc-card-pass__input" name="amount" min="<?php echo esc_attr((string) $withdraw_min); ?>" step="0.01" data-aksrt-withdraw-amount>
+			<p class="muted-2-color em09 mt6"><?php printf(esc_html__('最低提现 %s 元，当前余额 %s', 'aksrt'), esc_html((string) $withdraw_min), esc_html($wallet_fmt)); ?></p>
+			<label class="muted-color em09 mt10"><?php esc_html_e('收款方式', 'aksrt'); ?></label>
+			<select class="uc-card-pass__input" name="method" data-aksrt-withdraw-method>
+				<option value="alipay"><?php esc_html_e('支付宝', 'aksrt'); ?></option>
+				<option value="wechat"><?php esc_html_e('微信', 'aksrt'); ?></option>
+				<option value="bank"><?php esc_html_e('银行卡', 'aksrt'); ?></option>
+			</select>
+			<label class="muted-color em09 mt10"><?php esc_html_e('收款账号信息', 'aksrt'); ?></label>
+			<textarea class="uc-card-pass__input" name="account" rows="3" data-aksrt-withdraw-account placeholder="<?php esc_attr_e('姓名 + 账号 / 卡号', 'aksrt'); ?>"></textarea>
+			<p class="uc-modal__tip" data-aksrt-withdraw-tip></p>
+			<button type="submit" class="but jb-blue btn-block" data-aksrt-withdraw-submit><?php esc_html_e('提交申请', 'aksrt'); ?></button>
+		</form>
+	</div>
+</div>
+<?php endif; ?>
+
+<?php if (empty($skip_wallet_ledger)) : ?>
 <div class="uc-transactions uc-transactions--wallet">
 	<div class="uc-transactions__header">
 		<h3 class="uc-transactions__title">
@@ -259,4 +291,6 @@ $mark = (string) ($charge_view['currency_mark'] ?? '元');
 			<p><?php esc_html_e('还没有任何余额流水', 'aksrt'); ?></p>
 		</div>
 	<?php endif; ?>
+	<?php endif; // skip_wallet_ledger ?>
+
 </div>

inc/helpers/user-center-renderers/profile-credits.php

@@ -2,7 +2,7 @@
 /**
  * User center assets panel orchestrator (wallet + points).
  *
- * Zibll user-tab-balance parity layout.
+ * Zibll user-tab-balance parity: dual cards + tabbed ledgers.
  *
  * @package AKSRT
  */
@@ -22,15 +22,16 @@ if ($show_wallet || $show_credits) :
 	<div class="uc-assets-row<?php echo ($show_wallet && $show_credits) ? ' uc-assets-row--dual' : ''; ?>">
 		<?php if ($show_wallet) : ?>
 			<div class="uc-assets-col">
-				<?php require $dir . '/credits-wallet.php'; ?>
+				<?php
+				// Ledger moved to tab section below.
+				$skip_wallet_ledger = true;
+				require $dir . '/credits-wallet.php';
+				?>
 			</div>
 		<?php endif; ?>
 		<?php if ($show_credits) : ?>
 			<div class="uc-assets-col">
-				<?php
-				// Points card only (ledger rendered once below).
-				require $dir . '/credits-balance.php';
-				?>
+				<?php require $dir . '/credits-balance.php'; ?>
 			</div>
 		<?php endif; ?>
 	</div>
@@ -42,6 +43,88 @@ if (!empty($show_vip)) {
 }
 if ($show_credits) {
 	require $dir . '/credits-signin.php';
-	require $dir . '/credits-transactions.php';
 }
+
+// Tabbed ledgers (Zibll record tabs).
+if ($show_wallet || $show_credits) :
+	$active_record = isset($_GET['asset_tab']) ? sanitize_key(wp_unslash($_GET['asset_tab'])) : '';
+	if ($active_record === '' || !in_array($active_record, ['balance', 'points'], true)) {
+		$active_record = $show_wallet ? 'balance' : 'points';
+	}
+	?>
+	<div class="uc-asset-tabs zib-widget">
+		<ul class="uc-asset-tabs__nav list-inline tab-nav-theme font-bold">
+			<?php if ($show_wallet) : ?>
+				<li class="<?php echo $active_record === 'balance' ? 'active' : ''; ?>">
+					<a href="#record_tab_balance" data-aksrt-asset-tab="balance"><?php esc_html_e('余额记录', 'aksrt'); ?></a>
+				</li>
+			<?php endif; ?>
+			<?php if ($show_credits) : ?>
+				<li class="<?php echo $active_record === 'points' ? 'active' : ''; ?>">
+					<a href="#record_tab_points" data-aksrt-asset-tab="points"><?php esc_html_e('积分记录', 'aksrt'); ?></a>
+				</li>
+			<?php endif; ?>
+		</ul>
+		<div class="uc-asset-tabs__content tab-content">
+			<?php if ($show_wallet) : ?>
+				<div class="tab-pane<?php echo $active_record === 'balance' ? ' is-active' : ''; ?>" id="record_tab_balance" data-aksrt-asset-pane="balance"<?php echo $active_record === 'balance' ? '' : ' hidden'; ?>>
+					<?php
+					$skip_wallet_ledger = false;
+					// Render only the ledger portion by reusing balance log markup.
+					$user_id = (int) ($user_id ?? 0);
+					$wallet_page = max(1, isset($_GET['wallet_page']) ? (int) $_GET['wallet_page'] : 1);
+					$wlog = class_exists('AKSRT_Balance')
+						? AKSRT_Balance::get_log(['user_id' => $user_id, 'page' => $wallet_page, 'per_page' => 10])
+						: ['items' => [], 'total' => 0];
+					?>
+					<div class="uc-transactions uc-transactions--wallet">
+						<?php if (!empty($wlog['items'])) : ?>
+							<div class="uc-transactions__list">
+								<?php foreach ($wlog['items'] as $row) :
+									$delta = (float) $row['delta'];
+									$delta_class = $delta >= 0 ? 'is-positive' : 'is-negative';
+									$delta_txt = ($delta > 0 ? '+' : '') . (class_exists('AKSRT_Balance') ? AKSRT_Balance::format($delta) : number_format_i18n($delta, 2));
+									?>
+									<div class="uc-transactions__item">
+										<div class="uc-transactions__icon <?php echo esc_attr($delta_class); ?>">
+											<i class="fas fa-<?php echo $delta >= 0 ? 'arrow-up' : 'arrow-down'; ?>" aria-hidden="true"></i>
+										</div>
+										<div class="uc-transactions__info">
+											<div class="uc-transactions__reason">
+												<?php echo esc_html(class_exists('AKSRT_Balance') ? AKSRT_Balance::reason_label((string) $row['reason']) : (string) $row['reason']); ?>
+												<?php if (!empty($row['remark'])) : ?>
+													<span class="uc-transactions__remark">(<?php echo esc_html((string) $row['remark']); ?>)</span>
+												<?php endif; ?>
+											</div>
+											<div class="uc-transactions__time"><?php echo esc_html(get_date_from_gmt((string) $row['created_at'], 'Y-m-d H:i')); ?></div>
+										</div>
+										<div class="uc-transactions__amount">
+											<span class="uc-transactions__delta <?php echo esc_attr($delta_class); ?>"><?php echo esc_html($delta_txt); ?></span>
+										</div>
+									</div>
+								<?php endforeach; ?>
+							</div>
+							<?php
+							$total_pages = (int) ceil((int) ($wlog['total'] ?? 0) / 10);
+							if ($total_pages > 1 && function_exists('aksrt_render_profile_pagination')) {
+								aksrt_render_profile_pagination($total_pages, $wallet_page, 'wallet_page');
+							}
+							?>
+						<?php else : ?>
+							<div class="uc-transactions__empty">
+								<p><?php esc_html_e('还没有任何余额流水', 'aksrt'); ?></p>
+							</div>
+						<?php endif; ?>
+					</div>
+				</div>
+			<?php endif; ?>
+			<?php if ($show_credits) : ?>
+				<div class="tab-pane<?php echo $active_record === 'points' ? ' is-active' : ''; ?>" id="record_tab_points" data-aksrt-asset-pane="points"<?php echo $active_record === 'points' ? '' : ' hidden'; ?>>
+					<?php require $dir . '/credits-transactions.php'; ?>
+				</div>
+			<?php endif; ?>
+		</div>
+	</div>
+	<?php
+endif;
 ?>